The HMO Podcast

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The HMO Podcast

Andy Graham

341 episodes

1 day ago

In today’s episode, I’m joined by one of my mentees, Royce Turville, to break down exactly how he’s gone from steady, stop-start portfolio growth to building real momentum - raising more finance, doing better deals, and installing the systems needed to scale without burning out. Royce shares the full story behind his journey: starting out as an “accidental landlord”, spending years building a base of single lets, then hitting that ceiling many investors reach - where the portfolio grows, life...

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In today’s episode, I’m joined by one of my mentees, Royce Turville, to break down exactly how he’s gone from steady, stop-start portfolio growth to building real momentum - raising more finance, doing better deals, and installing the systems needed to scale without burning out. Royce shares the full story behind his journey: starting out as an “accidental landlord”, spending years building a base of single lets, then hitting that ceiling many investors reach - where the portfolio grows, life...

Show more...

Episodes (20/341)

The HMO Podcast

How Royce Turville's Property Business Rocketed By Doing 3 Things

In today’s episode, I’m joined by one of my mentees, Royce Turville, to break down exactly how he’s gone from steady, stop-start portfolio growth to building real momentum - raising more finance, doing better deals, and installing the systems needed to scale without burning out. Royce shares the full story behind his journey: starting out as an “accidental landlord”, spending years building a base of single lets, then hitting that ceiling many investors reach - where the portfolio grows, life...

2 days ago

52 minutes

The HMO Podcast

How To Scale To £250k+/Year In 2026 (Using My Unique 3 Step System)

As we step into a new year, a lot of property investors are setting big intentions and telling themselves this is the year it finally clicks. But good intentions alone don’t create momentum. In today’s episode, I’m talking about why so many property investors feel like they’re doing everything right… but still can’t seem to build any real momentum. They get started, they stay busy, they even do the odd deal - yet things never quite take off. This episode is about structure, alignment, and the...

1 week ago

24 minutes

The HMO Podcast

Getting Better Refurb Results: Contractor Will Whittaker Explains How

In today’s episode, I’m joined by Will Whittaker - a construction expert and experienced builder - to pull back the curtain on what HMO projects really look like on the other side of the deal. What does a refurbishment or conversion look like from a builder’s perspective, and where do investors most often get caught out? As you can imagine, I’ve got plenty of questions. I consider myself fairly experienced when it comes to buildings and refurbishments, but Will operates on another level entir...

2 weeks ago

42 minutes

The HMO Podcast

If You’ve Got Less Than £50k… Here’s Exactly What To Do First

In today’s episode, I’m challenging the way most people think about a £50,000 pot of capital and why, for so many aspiring property investors, that thinking is the very thing keeping them stuck. £50k feels like a lot of money and it is, but in the context of property, it’s also not enough to do the job most people are asking it to do. Rather than trying to force £50,000 into a single deal and hoping it changes your life, I break down what that money should actually be used for if your goal is...

3 weeks ago

22 minutes

The HMO Podcast

Is Property Still Worth It? My Honest Answer After 335 Episodes...

In today’s episode, I’m tackling the question everyone is asking right now: is it still worth investing in property? With rising costs, tighter lending, more competition and a general sense of uncertainty, it’s no surprise that so many investors are wobbling. Instead of giving you a polished answer, I’m breaking down what’s actually happening, what matters, and why the fundamentals still hold strong. We’ll talk honestly about the challenges in today’s market, the pressure on deals, the realit...

1 month ago

23 minutes

The HMO Podcast

Budget Breakdown & What It Means For HMO Investors

In today’s episode, I break down the Autumn Budget and what it really means for HMO landlords and property investors, with expert insight from mortgage specialist Ellie Broadhurst. After weeks of speculation and political noise, the budget has finally landed and while it wasn’t as bad as many feared, it was still far from good news. We explore the key changes that affect landlords, what didn’t happen (and why that matters), and the wider direction of travel for the property market. Most impor...

1 month ago

35 minutes

The HMO Podcast

Filling HMOs, Expanding the Empire… But This Is Slowing Me Down (#BizUpdate)

In today’s episode, I’m sharing a real and honest breakdown of what’s been happening inside my property and development businesses over the last few months. It’s been a challenging period across the market - tight lending, uncertainty surrounding the Renters’ Rights Act, contractor issues, slower rental demand, and some big, strategic decisions to make. Instead of giving you the polished version, I’m taking you behind the scenes and talking openly about what’s working, what’s not, and how I’m...

1 month ago

31 minutes

The HMO Podcast

Inside the Empire: Hayley Andrews on Growth, Strategy & the Business of Property

In today’s episode, I sit down with Hayley Andrews, the award-winning investor, “dragon” on Sky TV’s Property Elevator, and the force behind Hard Hats to Heels and the Women in Property Awards, to unpack how she’s built a diverse, multi-strategy portfolio over two decades, from vanilla buy-to-lets and HMOs through to hotels, listed buildings and complex commercial schemes. Hayley shares the real story behind her growth: starting out on a council estate, using property as a pension, then scali...

1 month ago

50 minutes

The HMO Podcast

How The Right Company Structure Can Save You £1 Million+ In Tax

In today’s episode, I break down one of the most overlooked parts of running a successful property business - how you structure it. Most investors talk about yield, rent, and refinancing, but few think about what happens after they’ve made the money. Without the right structure, a huge chunk of your profits can disappear in tax - money that could have stayed in your business, been reinvested, and compounded into something far bigger over time. I reveal how smart tax planning and business stru...

1 month ago

26 minutes

The HMO Podcast

The Biggest Shake-Up To The Property Market In Decades - The Renters’ Rights Act Explained

In today’s episode, I break down the Renters Rights Act, the biggest shake-up to the UK rental market in decades, and explain what it really means for HMO landlords. This new legislation completely rewrites the rules for landlords, from the removal of fixed-term tenancies and Section 21 evictions to rent increases, pets, and the launch of a national landlord register. It’s a huge change that adds complexity and risk, but for those who understand it and prepare early, it also creates an incred...

2 months ago

36 minutes

The HMO Podcast

Stop Guessing, Start Measuring: 14 Data Points That Drive a Profitable Property Business

In today’s episode, I break down the 14 key numbers every serious HMO investor should be tracking — the exact metrics that separate property owners from true property business owners. Over the years, I’ve seen countless investors who know their rent roll but have no idea how their portfolio is actually performing. In this solo deep dive, I walk you through the essential calculations, from yields and ratios to returns and risk measures, that reveal how efficient, profitable, and resilient your...

2 months ago

32 minutes

The HMO Podcast

How Craig Fisher Built a £250k-a-Year HMO Portfolio on the Side While Running a Multi-Million Pound Business

In today’s episode, I sit down with Craig Fisher, the founder of CF Commercial, Haus Proud Living, and co-founder of Yvonne Ellen, to unpack how he’s built a £250k-per-year HMO portfolio while running several multi-million-pound businesses. Craig joined my mentorship programme in June 2023, and together we’ve focused on building a simple, repeatable model that works. In this conversation, I pull back the curtain on the exact deal criteria, refurb standards, KPIs, and risk controls Craig uses ...

2 months ago

45 minutes

The HMO Podcast

From Hairdresser to HMO Success: How Laura Ackers Built Financial Freedom Through Property

This week, I’m sitting down with Laura Ackers of Haus Property, someone I’ve had the privilege to watch go from zero property background to a Manchester-based HMO portfolio that’s given her and her husband Dan genuine freedom. In just a few years, they’ve stepped away from their jobs, systemised the business, and moved their young family to Mallorca on a three-year visa. Here’s what we cover in the episode: 03:46 - The Journey From Hairdressing to Property Investment09:54 - The Challeng...

2 months ago

41 minutes

The HMO Podcast

Why Smart Investors Are Buying Right Now (and Everyone Else Is Quitting)

There’s a lot of fear in the market right now. Everywhere I look, investors are sitting on their hands or even thinking about selling up. The media is full of doom and gloom, interest rates are high, the Renters Reform Act is looming, and costs are up across the board. But here’s the truth - this is exactly when real opportunities appear. When everyone else is frozen, the smart investors are looking the other way. In this episode, I dive deep into why I genuinely believe we could be standing ...

3 months ago

18 minutes

The HMO Podcast

From GP to Full-Time HMO Investor: Dr. Michael Taylor’s Inspiring Journey

In this episode, I’m joined by Dr. Michael Taylor of Parable Property, who spent years working as a GP before deciding it was time for a complete change. Michael shares how he left behind the security of medicine to take on the uncertainty of building his own property portfolio - something many people dream about but few have the courage to actually do. What I love about Michael’s story is how honest he is about the journey. He faced big setbacks at the start, but instead of walking away, he ...

3 months ago

40 minutes

The HMO Podcast

When Property Deals Go Wrong: The Three Rs of Resilience

If you’re in property long enough, something will go wrong and I’ve been there more times than I can count. Builders have disappeared, finance has fallen through at the eleventh hour, planning has thrown me curveballs, and valuations have come in soft. The truth is, these challenges aren’t the exception… they’re the rule. In this episode, I’m sharing the simple framework I use to deal with setbacks without letting them knock me off course: the 3 R’s of Resilience - React, Reframe, Recover. Ov...

3 months ago

22 minutes

The HMO Podcast

7-Bed Planning Hack, Valuations & NI Rumours Discussed [Community Q&A]

This week, we’re shaking things up. Instead of focusing on a single topic, I’m sharing some of the most thought-provoking debates and discussions happening right now inside the HMO community. The truth is, the best ideas don’t just come from me sitting here deciding what to talk about — they come from you. From the questions you’re asking, the challenges you’re tackling, and the creative strategies you’re putting forward. And because we don’t always agree, the conversations are all the more v...

3 months ago

25 minutes

The HMO Podcast

Is The Property Market Crashing? Interest Rates, Valuations & Growth With Ellie Broadhurst

Today, I’ve got Ellie Broadhurst, our specialist mortgage broker back on the show. With the media shouting about property crashes, falling prices, lenders pulling deals, and down valuations, I wanted to sit down with Ellie to find out what’s really happening. Because on the ground, it feels very different. In this episode, we dig into the truth behind the headlines: what’s going on with interest rates, how valuations are looking, what lenders actually think about HMOs right now, and whether t...

4 months ago

34 minutes

The HMO Podcast

Is Property Investment Dead or Just Changing?

Is property investment dead, or is it just changing? In this episode of The HMO Podcast, I dive into the challenges facing investors right now - from economic pressures and new legislation to shifting market dynamics. But it’s not all bad news. I’ll share why a low-sentiment market can actually present some of the best opportunities, and why taking a long-term perspective is key to navigating today’s property landscape. Here’s what we cover in the episode: 02:50 Current Economic Climate...

4 months ago

26 minutes

The HMO Podcast

Inside A Cambridge Super Deal: How Sam Carter Adds Value & Reduces Risk

Today I’m joined by Sam Carter of SJC Property Developments, who’s showing us that it’s absolutely possible to make property deals work—even in one of the most expensive parts of the country. Sam and his family are building a thriving business in Cambridge, and their latest project is nothing short of remarkable. They secured a property that was originally on the market for £725,000 at a bargain price, applied a smart strategy with multiple exit options, and turned it into a deal that generat...

4 months ago

47 minutes